| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT DAHANY NAYLON CO3 | 220 LIBERTY ST WARSAW, NY 14569 | HARTFORD LIFE AND ACCIDENT | $40K | — | $40K | 6.09% |
| SCOTT DAHANY NAYLON CO3 | 200 LIBERTY ST WARSAW, NY 14569 | HARTFORD LIFE AND ACCIDENT | $10K | $365 | $10K | 15.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRO BENEFITS ADMINISTATORS EIN 16-1514371 TPA | Claims processing Service code 12 | 100 CORPORATE PARKWAY SUITE 342 AMHERST, NY 14226 | $16K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 778 | $653K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 778 | $653K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 778 | $653K |
| Prescription drug | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WNY | 1,101 | $0 |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,101 | $719K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,101 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.